I recommend you to get a good job if you have not any yet, and then start building your credit score with your monthly income. If you have an income, a social security number, and you are at least 18 you can apply for a suitable credit card. Start up from those companies or banks that have very easy terms for those who start just from scratch ...

Yeah, that monthly rate is really quite high! You would be better to choose the 0% balance transfer to credit card and work hard to pay off all the debt in the next months, of course if time is not the main factor for you in your current situation. If to say after 12-15 months you haven't paid it off yet, you can find another 0% balance ...

Of course, you can fix the problem and start to build new positive credit history in a short time. But from now them main thing you should mention is not to make bankrupt again. because lenders usually take into consideration the fact that if someone filed a bankruptcy repeatedly second time. For a while you can rebuild your credit score and ...

As fas as I understood, the interest rate of your debit card has gone up and therefore the charges for your overlimit use of the card have increased. First, call the company and try to clarify what the current rate is and how much do they charge each time? And from now never quit the control on your debit card to be always aware of your current ...